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How much is car insurance in Auburn?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Auburn are about $20 a month more expensive than the rest of Washington.
Likewise, Auburn residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Auburn is about $15 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Auburn, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've broken down the average rates for Auburn to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may creep back up a bit in Auburn.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Auburn, the difference comes out to about $7 per month. Looking at the table above, you can see that female drivers pay around $90 on average, while male drivers typically pay $97 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Auburn with a single accident on their record will usually see rates around $137 a month. Similarly, drivers with one ticket will typically pay around $201 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$138|
|15 Years or Older||$98|
According to the first table above, the cheapest vehicles to insure in Auburn are typically SUVs, at $80 per month.
Car owners, on the other hand, usually pay around $99 a month, while truck and van drivers can expect to pay about $88 per month for insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Auburn, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Generally, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Auburn, the difference in rates based on relationship status can be as much as $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $26 a month more than if you own your own home in Auburn. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Auburn, WA
Recent trends in car insurance for Auburn drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Auburn rose from 2016-2017, where they hit a high of $93, before steadying out in 2018. Car insurance rates went up once again in 2020, and have continued rising through 2021, where they reached $126 a month.
How does Auburn compare to neighboring areas?
Why are car insurance rates in Auburn different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Number of drivers in the region
- Crime rates
- Road safety
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Auburn?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Auburn in no time.
Auburn Insurance FAQs
What factors affect car insurance quotes in Auburn?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Auburn different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Auburn?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Auburn?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Auburn or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.